Assume that you are older, unfortunately, you have suffered chronic illnesses which make you unable to complete daily care by yourself but no family member can take care of you, what will you do? Under this circumstance, you may need a LONG TERM CARE.

• LONG TERM CARE (LONG TERM CARE), also called custodial care, can be offered 24 hours or non-24-hours for those people who fail to do daily care by themselves because of chronic or severe illness or disability.

• The LONG TERM CARE can provide various helps for different groups of people with different needs. For instance, some may need daily care, such as eating, bathing and dressing, etc; some may just need such assistances as handing or lifting; some may need such mental helps as reminding or cooperating to complete daily care.
• The LONG TERM CARE can be offered at home, nursing house, adult care centre, some communities and facilities according to specific conditions.

• Compared with the cost of medical care and the cost of health insurance premium, the cost of LONG TERM CARE is much higher. People spend at least $50,000 per year on LONG TERM CARE at nursing house averagely, which has been increasing dramatically in those years.
• However, one has to be covered health care insurance or disability insurance, the LONG TERM CARE is not covered in either two insurances, which make it unpractical to avoid risk of high LONG TERM CARE cost by purchasing other insurances.

To take precautions against a calamity, one had better buy the LONG TERM CARE insurance earl y to guarantee the affordability of LONG TERM CARE.

• The LONG TERM CARE insurance coverage includes all the care cost of long term care (such as home care, adult daily care, rehabilitating care, skilled care, etc.) at any condition provided that the care time is lasting at least 12 months.
• The factors which affect LONG TERM CARE insurance premium: the age (the earlier, the cheaper), the franchise period (20 days, 30days, 60 days, 90 days, 180 days), the coverage options and the insurance period (one-year, several-year, whole-life).
• The utmost insurance amount cannot exceed the stipulated amount.
• The insurance expense can be paid monthly.

• Consider the following points: the care place (home, nursing house, care center, facilities), the type of care (skilled care, daily care, health aids), the franchise period, the health condition, the age, the medical care condition, and so on.
• Evaluate and choose a good standing insurance company of higher reliability.

• The LONG TERM CARE insurance has a wider coverage to meet various demands, such as skilled nursing care, custodial nursing care, home health care and adult daily care.
• The LONG TERM CARE insurance can provide an option to withstand the effects caused by inflation. Even though this insurance is more expensive, it will be good for the insurance holder, especially for young insurance holders.
• The LONG TERM CARE can continue to a certain period, so that the validity is long.
• The insurance holder can choose the option to reserve the right to obtain the cash values that will not lose even though the validity is changed.

All in all, please start considering LONG TERM CARE in health days and make a LONG TERM CARE plan to make life better even in the old days The LONG TERM CARE insurance may be a wise choice in social security system.